Bank OZK (OZK)
Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.
- Symbol
- OZK
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $5.55B
- 52 week range
- 42.37 - 53.39
Valuation
- Share price
- $46.09 (close of 2026-09-23)
- P/E (TTM)
- 8.23x
- Price to book
- 0.91x
- Price to free cash flow
- 7.91x
- Enterprise value
- $4.66B
- Book value per share
- $55.64
Price performance
| Period | Change |
|---|
| 1 day | -3.48% |
| 5 days | -6.24% |
| 1 month | -6.74% |
| 3 months | -8.95% |
| 6 months | +4.35% |
| Year to date | +0.15% |
| 1 year | -10.66% |
| 3 years | +26.07% |
| 5 years | +9.61% |
| 10 years | +19.56% |
| All time | +3907.83% |
Profitability and growth
- Return on equity
- 13.44%
- Return on invested capital
- -0.00%
- Return on assets
- 2.02%
- Return on capital employed
- -0.00%
- Gross margin
- 100.00%
- Net margin
- 30.69%
- EBITDA margin
- -0.00%
- Revenue growth
- 1.15%
- Net income growth
- -0.14%
- Free cash flow growth
- -0.96%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 12.65%
- Current ratio
- 5.36x
- Net debt to EBITDA
- -0.87x
Latest reported year
- Period end
- 2023-12-31
- Fiscal year
- 2023
- Revenue
- $2.25B
- Gross profit
- $2.25B
- EBITDA
- $-56.00K
- Net income
- $690.78M
- Earnings per share
- $5.89
- Shares outstanding
- 114.46M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2023-12-31 | $2.25B | $2.25B | $690.78M | $5.89 |
| 2022-12-31 | $1.25B | $1.25B | $564.14M | $4.55 |
| 2021-12-31 | $1.10B | $1.10B | $579.00M | $4.49 |
| 2020-12-31 | $984.91M | $984.91M | $291.90M | $2.26 |
| 2019-12-31 | $984.26M | $984.26M | $425.91M | $3.30 |
| 2018-12-31 | $991.68M | $991.68M | $417.11M | $3.24 |
| 2017-12-31 | $929.40M | $929.40M | $421.89M | $3.36 |
| 2016-12-31 | $601.50M | $511.11M | $269.98M | $2.59 |
| 2015-12-31 | $382.15M | $310.37M | $182.25M | $2.10 |
| 2014-12-31 | $270.49M | $345.95M | $118.61M | $1.53 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|
| 2023-12-31 | 100.00% | 30.69% | 13.44% | -0.00% |
| 2022-12-31 | 100.00% | 45.17% | 12.03% | 10.34% |
| 2021-12-31 | 100.00% | 52.78% | 11.97% | 9.52% |
| 2020-12-31 | 100.00% | 29.64% | 6.83% | 5.40% |
| 2019-12-31 | 100.00% | 43.27% | 10.26% | 8.15% |
| 2018-12-31 | 100.00% | 42.06% | 11.06% | 13.25% |
| 2017-12-31 | 100.00% | 45.39% | 12.19% | 12.92% |
| 2016-12-31 | 84.97% | 44.88% | 9.67% | 9.48% |
| 2015-12-31 | 81.22% | 47.69% | 12.44% | 11.22% |
| 2014-12-31 | 127.90% | 43.85% | 13.06% | 10.19% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2023-12-31 | $-2.15B | $1.27B |
| 2022-12-31 | $4.53B | $1.08B |
| 2021-12-31 | $5.97B | $1.22B |
| 2020-12-31 | $5.80B | $1.10B |
| 2019-12-31 | $3.77B | $694.97M |
| 2018-12-31 | $3.15B | $439.33M |
| 2017-12-31 | $3.06B | $364.02M |
| 2016-12-31 | $2.34B | $382.66M |
| 2015-12-31 | $693.34M | $322.23M |
| 2014-12-31 | $989.52M | $255.81M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2023-12-31 | $852.41M | $17.43M |
| 2022-12-31 | $735.09M | $13.21M |
| 2021-12-31 | $508.74M | $16.01M |
| 2020-12-31 | $502.34M | $14.85M |
| 2019-12-31 | $325.95M | $14.17M |
| 2018-12-31 | $618.56M | $14.13M |
| 2017-12-31 | $345.62M | $12.33M |
| 2016-12-31 | $196.76M | $10.75M |
| 2015-12-31 | $184.37M | $8.20M |
| 2014-12-31 | $43.26M | $5.67M |
Dividend history
- Most recent payment
- 2023-10-12
| Payment date | Dividend per share |
|---|
| 2023-10-12 | $0.37 |
| 2023-07-13 | $0.36 |
| 2023-04-13 | $0.35 |
| 2023-01-13 | $0.34 |
| 2022-10-13 | $0.33 |
| 2022-07-14 | $0.32 |
| 2022-04-13 | $0.31 |
| 2022-01-13 | $0.30 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-15
- Consensus EPS estimate
- $1.45
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-21 | Jun/2026 | $1.46 |
| 2026-04-21 | - | - |
| 2026-01-20 | - | - |
| 2025-10-16 | - | - |
| 2025-07-17 | - | - |
| 2025-04-16 | - | - |
| 2025-01-16 | - | - |
| 2024-10-17 | - | - |
Filings and sources
- Company website
- ozk.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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